Underwriting has changed dramatically in recent years, so much so that we can now offer underwritten policies in a matter of minutes; consumers can now get the life insurance coverage they want, when they want it. Gone are the days of waiting weeks and even months for a decision.
Not so long ago all policies were traditionally underwritten, while this allowed for the lowest premiums and broad face amounts, it also required an extensive health questionnaire, an invasive and time consuming medical exam, Attending Physicians Statement (APS), and often weeks, if not months, of waiting for an underwriting decision. This high-touch,...
Recognizing the ongoing need for higher face values, lower premiums and timely decisions, the Afficiency product portfolio is well positioned with instant issue life products, designed to deliver easy to understand life insurance policies. Featuring:
No-exam life insurance means that a medical exam is NOT required to be underwritten
Our customer journey is a 100% digital experience
Our application is comprehensive yet quick - enabling consumers to get the life coverage they want faster
Application completed in minutes : underwriting decision in seconds
Our policies have higher face values so consumers can get the coverage they want to protect their families
Our life insurance product suite offers a range of competitive premiums